At Rootfin, we've helped dozens of consumers with Hepatitis C find affordable rates on life insurance.
In fact, most of our clients were previously declined by another carrier. The key in finding the best rate with Hepatitis C is using the right life insurance company based on your specific Hep C details.
Most importantly, do not allow any type of health issue stand in the way of you looking for a life insurance policy. There are options for you such as no exam life insurance, life insurance for diabetics, or even high risk life insurance.
Obtaining Life Insurance With Hepatitis C
Obtaining life insurance with Hepatitis C comes down to 2 factors:
1. How much damage as the liver sustained.
2. Is your Hep C in remission.
The best term life insurance rates will come to those who have demonstrated a sustained remission with minor or no damage of the liver. In these cases, STANDARD life insurance rates are achievable.
For those whose Hepatitis C is showing minor symptoms and minor liver damage, you will be considered a substandard risk– but still insurable! In these cases, to get the most favorable rate, having a recent liver biopsy that shows only minor liver damage will help your rates tremendously. A liver biopsy within the last 5 years will suffice, although the more recent, the better. Although a liver biopsy is recommended, it's not required to secure life insurance with Hepatitis C.
Hepatitis C Life Insurance Information We Need To Know
• Date of Diagnosis
• Acute Viral Hepatitis C, Chronic Persistent Hepatitis C or Chronic Active Hepatitis C?
• What are your most current liver enzymes? (if you don’t know them, are they under control?)
• Are you taking any medications? (such as Interferon or Ribavirin) If so, quantity and frequency?
• Do you consume any alcohol? (type, frequency, quantity)
• How frequently does your physician monitor your liver functions? (annually, semi-annually etc.)
• What studies have been done to diagnose/treat the condition? (liver biopsy, CT scan, MRI etc.)and what were the results? (normal, abnormal)
• Any other underlying health issues?
It’s important to have all of this information when contacting an agent. Armed with these details, an agent experienced in Hepatitis C life insurance underwriting can find the company that will give you the most favorable rate. If an agent doesn’t ask you these questions, then choose another one who can speak the Hepatitis C life insurance language.
The Hepatitis C isn’t the only things that the insurance company is going to be concerned with when you apply for life insurance coverage. The company is also going to want to know your overall health and what type of shape you are in before they accept your application for insurance coverage. When you complete the initial paperwork for the insurance plan, the company is going to require that you undergo the medical exam (unless you choose a no exam policy). The results from the policy are going to have a huge impact on the chances of being approved for coverage and how much you pay for your plan. Aside from your Hep. C diagnosis, the company is going to look at your weight, age, heart rate, cholesterol, blood pressure, and much.
If you want to get better rates from your life insurance company, there are several ways that you can do that, but one of the best ways is to improve your health through a diet and getting regular exercise. Both of these can have a huge impact on your health as well as your insurance premiums.
Additionally, if you want to get lower insurance rates, you can improve your health by eliminating any tobacco that you currently use. Smokers are going to pay twice as much than a non-smoker. Quitting the cigarettes is going to cut your premiums in half.
What Makes Us Different Than Other Agencies?
We Obtain Tentative Offers
We'll take the information you give us above and send it ANONYMOUSLY to the life insurance companies that are most aggressive with Hepatitis C. Once we receive written responses from all of them, we'll present you with the best option.
This is considered a "tentative offer". Which means as long as you were detailed and truthful and the life insurance company doesn't find anything else, this is the rate they HAVE to offer. It's in writing and we attach it to your application.
I would estimate that only 5% of agencies are doing this for their clients. Why? Because is takes a lot of time upfront and most agencies aren't willing to commit to this. We are.
A cover letter is attached on top of an application and paints a picture of your risk to an underwriter. For instance we typically describe why you want this life insurance, how important this coverage is for your family or business and we'll detail your Hepatitis C in the cover letter in the most favorable light to influence the underwriter.
Underwriters LOVE reading these cover letters. It gives the underwriter an emotional attachment rather than an application, lab slip and medical records. It's been EXTREMELY helpful in obtianing favorable underwriting decisions.
Why Rootfin For Life Insurance With Hepatitis C?
Our experience in underwriting Hepatitis C combined with our relationships with 60+ life insurance carriers puts us on the cutting edge of Hepatitis C underwriting. To go even further and obtainin a "tentative offer" in writing and draft a cover letter makes us head and shoulders better than our competition. We also have several company reviews for your reference to learn more of the pros and cons of many different companies, such as AIG Direct.
If you have Hepatitis C and are in the market for life insurance. Please give us a call. We'll help you find the most affordable life insurance rates on the market.
If you have any questions about life insurance or about the different options available to you, we would be happy to answer those questions and ensure that you’ve got the best policy to fit your needs. Don’t wait any longer to get the coverage that you and your family need.